NGPF Blog

Happy St. Patrick's Day! Happy Reading!
Higher Ed
The story of the week has to be this one about the college entrance bribery. (WAPO) (Inside Higher Ed)
While we are on the subject, this next article highlights the class differences in the college experience as poor kids tell rich colleges what they are experiencing. (EdSurge)
And most people are surprised to learn how low the college completion rate is: (NPR)
Student Loan Hero surveyed 1000 people across all generations about their debt. One...

Personal Finance
Michele Singletary at WAPO talks about the importance of getting kids to be financially literate and what parents can do to promote this. The article features JumpStart and checkmyschool.org.
Personal Finance on an Index Card: from Harold Pollack. (University of Chicago)
This one got lots of social media coverage: NFL player teaches finlit at an Ivy League School! (WSJ)
Some sound advice suggesting quarterly money reviews with your S.O. and how to conduct them....

Hat tip to Beth Tallman:
Questions
What happened between 2010 and 2018 to hospital spending and tax rates?
Does it surprise you that Americans spend more on hospital spending than they did for federal income taxes?
Your friends says that he thinks hospital costs have peaked in 2018. Does the graph support his argument?
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Check out NGPF Insurance Unit Page for ideas on how to bring insurance to life for your students.
Behind the chart from...

From ValuePenguin:
Questions:
How do you think auto insurance companies determine the premiums that they charge their customers?
Why do you think 16 year old boys have insurance premiums that are $64 more per month than similarly aged girls?
What is the percentage drop in premiums between the ages of 16 and 30 for men? for women? Why do you think there is such a large drop?
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Looking for more charts for your students to analyze? Check out NGPF's Data...

Answer: 48%
Questions:
What types of items do you shop around for before making the purchase decision?
What types of items do you NOT shop around for before purchasing ? Why do you choose not to find other prices for these items?
What are ways that you can compare prices for auto insurance policies?
If you were told that you could save $400 a year if you shopped around for auto insurance, would you do it?
Here's the ready-to-go slides for this Question of the Day that...

Answer: 3.0
Discounts vary by insurer:
Questions:
Why do you think that most automobile insurers offer discounts based on good grades?
What else might you want to know about a high school student before providing them with an auto insurance policy?
Why do you think that the insurers seem to offer such varying good student discounts?
Here's the ready-to-go slides for this Question of the Day that you can use in your classroom.
Behind the numbers (Value Penguin):
As you...

Question of the Day, Insurance, Budgeting, Career, Credit Cards, Paying for College

A little over a year ago, we made the fateful decision to produce a new Question of the Day for every day during the school year. Over 250 questions later, we're still going strong. I thought it would be fun to go back and see what questions garnered the most pageviews to try and tease out some themes.
Announcing NGPF's top 10 Questions of the Day since October 15, 2017:
10. What's the average lifespan of a toy fad?
9, What color car is more costly to insure: red or black?
8. What are teens...

Financial Literacy
A survey by Ipsos on behalf of MNT, Ltd reveals that apparently, Canadians need help with financial literacy education as well.
The Visual Capitalist depicts the US problem with financial literacy in pictures.
Economics/Cryptocurrency
250,000 jobs added this month, unemployment at 3.7%, and wages starting to increase (NYT), so what’s the problem? The Opportunity Index answers that question, and Third Way breaks it down for you. It may be worth the half hour it will...

Answer: $417
What types of items do you shop around for before making the purchase decision?
What types of items do you NOT shop around for before purchasing ? Why do you choose not to find other prices for these items?
The average auto insurance policy is over $1,000 in many states. Why do you think that most people don't shop around for auto insurance?
Here's the ready-to-go slides for this Question of the Day that you can use in your classroom.
Behind the numbers (Nerd...

Career advice
The New York Times discusses the importance of mentors (especially for women) to your careers and talks about how to find them.
Recode brings us data on the realities of the gig economy – more people working it but their earnings are down from five years ago.
Insurance
Life insurance companies are offering premium discounts for healthy behavior, applying behavioral finance concepts. (NYT Your Money column)
Recent growth in health club industry has been attributed to the...

Answer: $6,930
Questions:
Why do you think that 16 year olds have such high car insurance premiums?
What other factors, other than age, do you think that car insurance companies take into account when setting premiums?
If you currently drive and have your own insurance or are on your parent's/guardian's policy, do you know what the cost is?
Click here for the ready-to-go slides for this Question of the Day that you can use in your classroom.
Behind the...

Planning for Health Care Expenses
High on my retirement planning “to do” list has been to make a call on whether or not to get long-term care insurance. I have been procrastinating mightily on this one. So when I read an article outlining a new model for assessing health care costs in retirement (long-term care insurance is part of this equation) put together for Vanguard by Mercer Health Benefits, it pushed the issue back onto my regular “to do” list. Time is money,...

Today’s Headlines:
States cleared to charge sales tax on online sales and banks pass first phase of the Fed’s stress tests, wait to hear if they can buy back shares or increase dividends.
Demographics/Employment
As baby boomers retire, there are fewer workers to take their places. Who will support them? This WSJ article includes some informative maps.
The FRB of Atlanta published an article detailing its findings on industries facing a shortage of workers.
One aspect of...

Merger mania hits all types of insurance companies.
For Health insurance companies, the mega mergers of the major insurers were not approved, so the mergers are more creative/vertical in nature.
In the property/casualty sector, AXA (France) moved to buy XL Group (Bermuda) for over $15 Billion.
Walmart looking to get into the health insurance business by acquiring Humana.
Health Insurance
There are four new exemptions for avoiding penalties for not having health insurance.
The...

Can you get an insurance policy to cover...
Death by laughter?
Loss of taste buds?
Kidnapping and ransoms?
Answer: Yes, yes and yes!
Click here for the ready-to-go slides for this Question of the Day that you can use in your classroom.
Questions:
Who do you think might want an insurance policy to cover them if they lost their taste buds?
If you were a professional athlete, what might you want to get an insurance policy for?
In your own words, what is the purpose of...

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